It was probably in October of 2015 that my Dental Insurance Company wrote me a letter, asking why I had not cashed their refund check/cheque from May 2015.
I returned their form, and by my signature I asserted that I had not received that check/cheque,
Two or three months ago the Insurance Company sent me an identical form, once again asking me to assert that I had not received my refund, I completed the form and mailed it to them, noting that this was my second reply.
So I have been awaiting the refund of just over $111,
It did not arrive, so today I checked my records so that I could call the Company to claim the refund,
I found a letter from them, dated May 2015 which had the header "This is not a bill", a letter which I had filed without reading,
Careless me - I had filed a letter before paying attention to its entire contents,
As I read it again today I discovered that the "this is not a bill" letter also included my refund cheque/ check which I had never seen or noted.
The cheque/check had a shelf life of 180 days, so it was no longer cashable or bankable,
( Back in the days when I worked for Westminster (later National Westminster) Bank (U.K.) we would refer to such cheques as "Stale" or "Out of Date".
So today I called the Dental Insurance Company and confessed my error,
An entirely competent Clerk understood my problem, checked my records, and assured me that a refund check/cheque would be mailed to me within 14 days,
Hurrah for this part of the private sector, Cigna at its very best,